Personal finance · India
Money decisions, in the shade of clarity.
FinChaya is a growing collection of plain-language articles and practical calculators for Indian investors — no jargon, no hype, just the math and the reasoning.
Tools
Model Portfolio SIP Calculator
Enter your monthly SIP, start date, and age — see what an age-based model portfolio would have returned, computed from 18 years of actual benchmark index data.
Try it →Nifty 100 ETF Returns Calculator
See what a simple SIP or lumpsum in the Nifty 100 ETF would have returned — the low-cost benchmark that large-cap funds are measured against.
Try it →Latest articles
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How Derivatives Give You More Power With Less Capital — And How Selling Options Can Generate Passive IncomeControl a ₹14-lakh position with ₹1.5 lakhs, and "rent out" stocks you already own for monthly premium income — two ideas most retail investors never hear about.
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What is a Derivative? What is Long and Short?Before you can understand SIF, you need one word: derivative. A farmer's wheat deal explains it — plus how anyone can profit from a falling stock.
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SIP vs Lumpsum: which one actually suits you?Both get your money into the market — but they behave very differently when markets wobble. Here's a simple way to decide.